Rule reference · SEPA Credit Transfer scheme rules · Debtor agent
SEPA-SCT-DBTRAGT-001: Debtor agent must be BICFI or NOTPROVIDED
The debtor agent must be identified either by BICFI or by Other/Identification with the value NOTPROVIDED.
| Severity | BLOCKER Blocker: the run fails |
|---|---|
| Status | Requirement of the guidelines |
| Applies to | pain.001.001.09, SEPA Credit Transfer |
| Elements checked | /Document/CstmrCdtTrfInitn/PmtInf/DbtrAgt/FinInstnId/BICFI /Document/CstmrCdtTrfInitn/PmtInf/DbtrAgt/FinInstnId/Othr/Id |
| Source | EPC132-08 2025 Version 1.0, section 2.1.1, items 2.54 and 2.61 |
| Rule pack | sepa.sct.pain001.v09 v1, effective 2025-10-05 |
How to fix it
Check the house bank BIC mapping.
Try it with a synthetic example
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- Debtor agent Othr/Id other than NOTPROVIDED. FAIL · Download · Validate it
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